{\footnotesize \begin{tabular}{l c c c c c c c} \hline \toprule         & \multicolumn{3}{c}{\textbf{1-4 Quarters After Filing}}         & & \multicolumn{3}{c}{\textbf{5-8 Quarters After Filing}} \\
\cmidrule{2-4} \cmidrule{6-8}
& $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & OLS & IV         & & $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & OLS & IV \\
& (1) & (2) & (3) & & (4) & (5) & (6) \\
\cline{2-4} \cline{6-8}
& & & & & & & \\
\textbf{Financial health index:} & -0.054                & -0.107***               & -0.107*                                                         & & 0.008              & -0.103***               & -0.141 \\
& (0.737)              & (0.005)               & (0.060)                                                         & & (0.747)    & (0.005)               & (0.094) \\
& \multicolumn{3}{r}{[269,814]}                                & & \multicolumn{3}{r}{[271,230]} \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & -0.075                & -0.127***               & -0.202**                                                         & & -0.027              & -0.130***               & -0.230 \\
& (0.990)              & (0.008)               & (0.102)                                                         & & (1.002)    & (0.009)               & (0.174) \\
~~~New York                      & -0.032                & -0.087***               & -0.012                                                         & & 0.043              & -0.077***               & -0.053 \\
& (1.091)              & (0.005)               & (0.063)                                                         & & (1.108)    & (0.006)               & (0.072) \\
\midrule
& & & & & & & \\
\textbf{Credit score:}   & 547.59                & -8.40***               & -7.86                                                         & & 551.84              & -7.99***               & -16.53** \\
& (67.11)              & (0.38)               & (5.18)                                                         & & (68.61)    & (0.41)               & (6.67) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 531.94                & -9.19***               & -8.69                                                         & & 536.62              & -9.40***               & -24.16** \\
& (74.04)              & (0.55)               & (8.29)                                                         & & (74.56)    & (0.59)               & (11.15) \\
~~~New York                      & 563.24                & -7.60***               & -7.03                                                         & & 567.06              & -6.58***               & -8.90 \\
& (111.94)              & (0.53)               & (6.21)                                                         & & (115.19)    & (0.56)               & (7.33) \\
\midrule
& & & & & & & \\
\textbf{No open revolving account:}      & 0.481                & 0.032***               & -0.039                                                         & & 0.468              & 0.037***               & 0.052 \\
& (0.334)              & (0.002)               & (0.025)                                                         & & (0.331)    & (0.003)               & (0.051) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 0.587                & 0.032***               & -0.072*                                                         & & 0.589              & 0.034***               & 0.080 \\
& (0.491)              & (0.003)               & (0.043)                                                         & & (0.491)    & (0.005)               & (0.099) \\
~~~New York                      & 0.375                & 0.032***               & -0.006                                                         & & 0.347              & 0.041***               & 0.024 \\
& (0.452)              & (0.002)               & (0.025)                                                         & & (0.445)    & (0.002)               & (0.027) \\
\midrule
& & & & & & & \\
\textbf{Total balance: collections and delinquencies:}   & 2,550                & 153***               & 310                                                         & & 2,378              & 44*               & 548 \\
& (4,099)              & (24)               & (393)                                                         & & (3,936)    & (25)               & (502) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 2,759                & 54               & 735                                                         & & 2,516              & -34               & 739 \\
& (5,504)              & (36)               & (659)                                                         & & (5,291)    & (38)               & (930) \\
~~~New York                      & 2,342                & 253***               & -115                                                         & & 2,240              & 122***               & 357 \\
& (6,075)              & (32)               & (428)                                                         & & (5,829)    & (31)               & (377) \\
\midrule
& & & & & & & \\
\textbf{Any auto loan or lease:}         & 0.170                & -0.021***               & -0.061**                                                         & & 0.176              & -0.025***               & 0.031 \\
& (0.264)              & (0.001)               & (0.030)                                                         & & (0.269)    & (0.002)               & (0.036) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 0.197                & -0.040***               & -0.130**                                                         & & 0.198              & -0.047***               & 0.037 \\
& (0.396)              & (0.002)               & (0.054)                                                         & & (0.397)    & (0.003)               & (0.066) \\
~~~New York                      & 0.142                & -0.002               & 0.008                                                         & & 0.155              & -0.004**               & 0.025 \\
& (0.349)              & (0.002)               & (0.027)                                                         & & (0.362)    & (0.002)               & (0.026) \\
\bottomrule \\
\end{tabular} }
